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As you scour the internet for car loan refinancing, you may run into a car loan refinance calculator every now and then. It's an interactive web application that allows visitors to see how their car loan expenses will change if they refinanced under a new interest rate and new loan life. However, many people get stuck when they are asked to enter this figure. You see, this is part is not calculated for you and you'll have to do some guesswork. Now, you can just take a quick little guess and enter the advertised rate, but we all know that this figure is often exaggerated, and simply wrong. Or, you can take an educated guess by accounting for a few important things that can greatly impact your rate of interest, such as the following. The mortgage calculator will tell you many things, actually. First, it will tell you what you will pay for the entire home if you do not pay it off early. This number can be very big and frightening. Next, it will tell you what the monthly payment for your home loan will be. This is a great tool to use to compare how much of a home you can afford by this number too. It will then give you what is called an amortization schedule. This will provide you with an idea of where your monthly payment will go. In most home loans, the first several years a larger ##primary## of your monthly payment will go towards interest than it will the principal. Looking at this can tell you how much interest you will pay as well. There's a difference between, "gross income," and "taxable income." Gross income is how much you actually make. Taxable income is what the government bases their taxes from. There are plenty of things you can subtract from your gross income to give you a lower taxable income. For most people, the name of the game is to find and use as many of these as possible, so you can minimize your tax exposure. I am not here to tell you not to buy a car or to nag you that you made the wrong choice buying the car. I am not even here to tell you to avoid taking loans and to buy your car in full cash. However, what I am going to do is to teach you how to calculate whether you can afford or not. There are many life changes which will have a direct impact on your refund such as career shifts, salary adjustments, a new apartment, a new vehicle, or even a new member to a family. The Tax refund Estimator helps you calculate the amount you are expected to pay in 2009. To add more accuracy, they also included more changes in Alternative Minimum Tax (AMT). How does this tool work for you then? A mortgage calculator will provide you with a wide range of information. First, you will be inputting some information about the loan that you are looking at. It will take the terms of the potential loan, the interest rate of it, as well as the fees that are involved and will spit out all sorts of valuable information for you. Now, one thing that is important to remember here is that it does not collect any of your personal information. That means that you will not have to worry about being trapped into a loan or that there will be endless people calling you. The female on the other hand, with 33.2% fat, is estimated to be in the obesity range >32%, with 61 lbs fat and 124 lbs lean mass if she also weighs say 185 lbs. (185 x 33.2% = 61 lbs fat and 185 - 61 = 124 lbs lean mass). This female would be advised to lose some body fat, at least to get to the acceptable range of 25-31%.